Yes, you have missed one more quest: please, visit your local town guard station to be escorted to the dungeon - Pirharri the Smuggler will meet you there .
I remember starting off on the journey to have Pirharri the Smuggler chill in my homes, until I learned they take like 30% of the cut when you fence stuff.
I'll admit I like Pirharri just for her looks and compliments lol. There have been times when I have wanted to use her, but instead made the incovenient trek to an Outlaws Refuge instead because I like gold 😒